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Basic Current Account-i (BCA)

A Shariah-compliant current account designed for everyday banking needs, offering essential services with no monthly fees.

Account

Basic Current Account-i (BCA)

A Shariah-compliant current account designed for everyday banking needs, offering essential services with no monthly fees.

Highlights & Benefits

Debit Card Full Debit Card functions.

Debit Card

Full Debit Card functions.

i-Muamalat Mobile apps. Full access to i-Muamalat Mobile apps.

i-Muamalat Mobile apps.

Full access to i-Muamalat Mobile apps.

i-Muamalat Internet Banking Full access to i-Muamalat Internet Banking.

i-Muamalat Internet Banking

Full access to i-Muamalat Internet Banking.

i-Biz Internet Banking Full access to i-Biz Internet Banking (for non-individual customer)

i-Biz Internet Banking

Full access to i-Biz Internet Banking (for non-individual customer)

Existing customers are now able to open a new account via i-Muamalat no joint account allowed

Existing customers are now able to open a new account via i-Muamalat

no joint account allowed

Attractive Profit rate

Attractive Profit rate

Cheque Book (upon request)

Cheque Book

(upon request)

*The Ceiling Profit Rate (CPR) is 4%

Basic Current Account-i (BCA)

A basic savings account which is economical and provides privileges to all Malaysians and permanent residents.

Term Descriptions
Rates
Deposit Balance (RM) Profit Rate (p.a)
RM100,000 and above 0.25

This product is protected by Perbadanan Insurans deposit Malaysia (PIDM).
*Protected by PIDM up to RM250,000 for each depositor.

How to Apply
  • Click ‘Apply Now’ button
  • Visit the nearst branch
  • Contact Customer Care Line at 03-26005500
Minimum deposit RM500 (individual & non-individual)
Services for Eligible Customers
  • Free account enquiry
  • Free debit card (physical & virtual for digital banks)
  • Free replacement for faulty debit card (not customer’s fault)
    *Up to RM12 for lost/damaged cards
  • Funds transfer services that follow the rules under the Interoperable Credit Transfer Framework (ICTF).
  • Free intra-bank bill payment
  • Full access to i-Muamalat app & internet banking
  • Free cash withdrawals & deposits (including coins) at:
    1. Bank counters
    2. Muamalat ATMs, CDMs & SSTs
      *Charges apply for other banks’ machines
  • Free account statements (e-copy or hardcopy)
  • If a BSA or BCA account holder wants to reactivate their dormant account before it’s closed or marked as unclaimed money, no reactivation fee will be charged.

 

This product is protected by Perbadanan Insurans Deposit Malaysia (PIDM).
* Protected by PIDM up to RM250,000 for each depositor

Features & Eligibility

Individuals  Residents and non-residents (Must be 18 years or older) Trust accounts for children below 18 years old

Individuals

  • Residents and non-residents (Must be 18 years or older)
  • Trust accounts for children below 18 years old
Non-Individuals  Clubs/ Societies/ Associations/ Institutions other than firms, corporations and other business enterprise/ Small and Medium-sized enterprises (SMEs)/ Trust accounts (e.g., solicitor’s client accounts)

Non-Individuals

  • Clubs/ Societies/ Associations/ Institutions other than firms, corporations and other business enterprise/ Small and Medium-sized enterprises (SMEs)/ Trust accounts (e.g., solicitor’s client accounts)
PIDM brochure
Documents required for account opening

*Terms and conditions apply.

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2025-07-18 08:46:07